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International Personal Finance PLC (GB:IPF)
LSE:IPF
Total Valuation
International Personal Finance has a market cap or net worth of £559.18M. The enterprise value is 1.18B .
Market Cap£559.18M
Enterprise Value1.18B
Share Statistics
International Personal Finance has 219,846,660 shares outstanding. The number of shares has decreased by -2.65% in one year.
Shares Outstanding219,846,660
Owned by Insiders―
Owned by Institutions―
Financial Efficiency
International Personal Finance’s return on equity (ROE) is 0.10 and return on invested capital (ROIC) is 7.60%.
Return on Equity (ROE)0.10
Return on Assets (ROA)0.04
Return on Invested Capital (ROIC)7.60%
Return on Capital Employed (ROCE)0.13
Revenue Per Employee88.31K
Profits Per Employee6.49K
Employee Count8,351
Asset Turnover0.55
Inventory Turnover0.00
Valuation Ratios
The current PE Ratio of International Personal Finance is 9.4. International Personal Finance’s PEG ratio is -1.27.
PE Ratio9.4
PS Ratio0.69
PB Ratio0.94
Price to Fair Value0.94
Price to FCF-42.93
Price to Operating Cash Flow-124.61
PEG Ratio-1.27
Income Statement
In the last 12 months, International Personal Finance had revenue of 737.50M and earned 54.20M in profits. Earnings per share was 0.25.
Revenue737.50M
Gross Profit708.70M
Operating Income159.90M
Pretax Income85.30M
Net Income54.20M
EBITDA187.40M
Earnings Per Share (EPS)0.25
Cash Flow
In the last 12 months, operating cash flow was -4.50M and capital expenditures -7.40M, giving a free cash flow of -11.90M billion.
Operating Cash Flow-4.50M
Free Cash Flow-11.90M
Free Cash Flow per Share-0.05
Dividends & Yields
International Personal Finance pays an annual dividend of 3.8 p, resulting in a dividend yield of 4.39%
Dividend Per Share3.8 p
Dividend Yield4.39%
Payout Ratio30.30%
Free Cash Flow Yield―
Earnings Yield―
Stock Price Statistics
Beta0.70
52-Week Price Change80.72%
50-Day Moving Average239.39
200-Day Moving Average207.96
Relative Strength Index (RSI)72.49
Average Volume (3m)1.10M
Important Dates
International Personal Finance upcoming earnings date is Jul 29, 2026, Before Open (Confirmed).
Last Earnings DateFeb 25, 2026
Next Earnings DateJul 29, 2026
Ex-Dividend Date―
Financial Position
International Personal Finance as a current ratio of 16.49, with Debt / Equity ratio of 119.87%
Current Ratio16.49
Quick Ratio16.49
Debt to Market Cap1.25
Net Debt to EBITDA3.33
Interest Coverage Ratio2.18
Taxes
In the past 12 months, International Personal Finance has paid 31.10M in taxes.
Income Tax31.10M
Effective Tax Rate0.36
Enterprise Valuation
International Personal Finance EV to EBITDA ratio is 6.06, with an EV/FCF ratio of -95.37.
EV to Sales1.54
EV to EBITDA6.06
EV to Free Cash Flow-95.37
EV to Operating Cash Flow-252.20
Balance Sheet
International Personal Finance has £30.40M in cash and marketable securities with £654.50M in debt, giving a net cash position of -£624.10M billion.
Cash & Marketable Securities£30.40M
Total Debt£654.50M
Net Cash-£624.10M
Net Cash Per Share-£2.84
Tangible Book Value Per Share£2.15
Margins
Gross margin is 91.70%, with operating margin of 21.68%, and net profit margin of 7.35%.
Gross Margin91.70%
Operating Margin21.68%
Pretax Margin11.57%
Net Profit Margin7.35%
EBITDA Margin25.41%
EBIT Margin21.51%
Analyst Forecast
The average price target for International Personal Finance is ―, which is 11.43% higher than the current price. The consensus rating is Moderate Sell
Price Target―
Price Target Upside―
Analyst ConsensusModerate Sell
Analyst Count1
Revenue Growth Forecast-7.52%
EPS Growth Forecast50.23%